Image source: the idea of the worm

Zhu Hanqi, intern reporter of Economic Observer Network　　On January 9th, KPMG China released the "2023 KPMG China Financial Technology Enterprises Double 50 List" and the annual trend report.

Huang Aizhou, managing partner of KPMG China Financial Technology, said that in the process of digital transformation of the financial industry, there are unique advantages in the three pillars needed for the vertical model of the industry: algorithm, computing power and data. The financial industry has mastered a large number of historical data and written materials, which provides natural convenience for the development of the industry model; In the process of financial digitalization and intelligence, financial technology enterprises have also formed unique solutions in terms of algorithms and computing power.

The report analyzes the listed enterprises in five dimensions: professional field, city and region, main technical elements, proportion of technical personnel and establishment time.

In the distribution of professional fields, platform technology empowerment and wealth technology rank first and second, Pratt & Whitney technology and insurance technology rank third, and AI and blockchain are still the core technologies in the underlying technologies.

In terms of urban and geographical distribution, Beijing, Shenzhen and Shanghai rank in the top three, and Chengdu ranks fourth for the first time. Tan Wei, chief partner of KPMG in China, Sichuan and Chongqing, said that in recent years, Chengdu has incorporated financial technology into the category of "building a circle and strengthening a chain" and become one of the 28 key industrial chains, forming an ecological layout that integrates Chongqing, links the whole country and sails the whole world.

In the distribution of main technical elements, the types of technical elements are more colorful, and the proportion of technical elements such as safety, credibility and large-scale correlation is obviously improved.

In terms of the proportion of technical personnel, 70% of the listed companies have more than 40% technical personnel, thus occupying an advantageous position in the fierce market competition.

In terms of the time distribution of enterprise establishment, the proportion of listed enterprises established for more than 10 years in 2023 has increased, and more enterprises that have been deeply involved in this field for a long time have continuously consolidated their market position by optimizing data processing, increasing transaction rate, simplifying financial service processes, and innovating financial products and services.

In addition, the report also puts forward nine major trends:

Trend 1: The development of financial macro-model will have a far-reaching impact on the paradigm of financial technology industry (annual trend). In the era of mobile internet, domestic manufacturers are actively developing the layout of financial big models, and relevant enterprises need to build competitive advantages by virtue of "having data" and "understanding scenarios". In the future, the wide application of financial macro-model will have the following changes: the change of AI cognition and concept, reshaping customer service process and experience, improving risk management, improving financial service efficiency and innovating financial business forms.

Trend 2: Science and technology investment pays more attention to output energy efficiency, and peer-to-peer science and technology output changes to ecological empowerment mode (integrated financial technology). Comprehensive financial technology enterprises pay more attention to business orientation and precise focus in objectives and methods, and change from technical empowerment to all-round ecological empowerment in service direction.

Trend 3: AI helps to innovate wealth management, and the core system of the organization is autonomous and accelerated (wealth technology). Wealth technology enterprises provide support for wealth management business scenarios such as investment, research and marketing, and will explore more application scenarios of large models to improve efficiency and service upgrade.

Trend 4: Insurance technology has evolved into risk reduction management, and the service boundary (insurance technology) has been continuously expanded in combination with industrial upgrading. Insurance technology companies turn the original uninsurable risks into insurable risks, and penetrate technology into the development process of all walks of life, which leads to new risk management demands.

Trend 5: Digital symbiosis and digital platform services accelerate the development of inclusive finance (Pratt & Whitney Technology).

Small and medium-sized enterprises access digital resources through the digital service platform, build a digital intelligent business process, meet the rapidly changing market demand, and accelerate the digital intelligent transformation of small and medium-sized enterprises.

Trend 6: Multi-parties join hands to expand the new blue ocean of supply chain finance, and scene product innovation is emerging (supply chain technology). The supply chain science and technology platform has accelerated its efforts in the scene business. It is expected that there will be more scene-based innovative products based on data credit in the future, and the traditional confirmation mode will begin to weaken.

Trend 7: Mobile payment innovation scenario application, cross-border payment opens up a new chapter in the sea (payment technology). The third-party payment platform at the C end expands its business by exploring new scenes and product innovation, and the mobile payment platform at the B end provides integrated services based on payment functions. The cross-border payment platform will also provide customers with integrated services to enhance customer stickiness.

Trend 8: Regulatory technology is expected to improve regulatory efficiency with the help of large models (regulatory technology). The development of regulatory technology will rely more and more on scientific and technological means to achieve more efficient and accurate supervision.

Trend 9: A new round of development opportunities will be opened, and a big article on digital finance (platform technology empowerment) will be done with the tide. At the present stage, the trends of innovation and going out to sea are highly certain, and the actions of "data elements ×" and "high-quality development of computing infrastructure" are steadily advanced, and the opportunity of technological change is expected to drive the sustained release of China’s financial technology value.

　　Click the "blue word" above to learn more first-hand information about the industry.

　　On December 15th, Liang Yuxia, Secretary of the Association, Ma Renhong, Executive President, and Ye Suping, General Manager of Guangdong Jinze Investment Group, Vice President, and others went to Yunnan Department of Commerce for business docking and exchange. Yin Yonglin, the second-level inspector of the Department of Commerce, and leaders of Modern Logistics Industry Department, Exhibition Economy Department, Market System Construction Department, Business Service Department and ASEAN Department attended the meeting.

　　The two sides conducted in-depth exchanges on the deployment of Yunnan’s docking with Guangdong-Hong Kong-Macao Greater Bay Area next year, the development and construction of a two-way logistics channel between Guangdong market and Yunnan market, the entry of beef cattle from Laos and Myanmar and Yunnan into Guangdong market, and the recommended products from Yunnan during the 2024 Expo.

　　At the meeting, the two sides exchanged views on the application of "Air Smart Express" in Yunnan, which was highly recognized by everyone. They agreed that "Air Smart Express" is an effective way to solve the difficulties faced by the last mile logistics in mountainous areas of Yunnan, and will arrange an on-site inspection as soon as possible to study the promotion of the project.

　　At the same time, a serious docking and research was carried out around the beef cattle industry and the 2024 Expo.

　　Yunnan Province is the source province of "Western Cuisine Moving to the East" and "Yunnan Cuisine Entering Guangdong". At the same time, as the bridgehead area connecting "the belt and road initiative" with "Lan-Mei Region", its advantages in agricultural products and geographical location are particularly prominent. The two sides believe that through the platform of the association, we will speed up the close docking of the two markets and jointly promote the high-quality development of the regional economy in Yunnan and Guangdong provinces.

　　Li Wenjie, director of Yunnan Rongwan Professional Committee of the Association, attended the meeting.

What is life? Life is:

Shoulder responsibility, hide pressure,

No matter how tired and bitter you are, you must move forward.

No matter how hard it hurts, smile.

What is life? Life is:

You cried, no one coaxed you,

You’re tired, nobody hurts,

You are poor, others look down upon you,

You are rich, and some people are jealous.

What is life? Life is:

A needle and a thread, you have to do it yourself,

Earn a penny and a dime,

A porridge and a meal, you have to save yourself,

When you cry and laugh, you have to act on your own.

What is life?

Life is half responsibility and half pressure;

Life is half happiness and half worry;

Life is half hard work and half rest;

Life is half tears and half sweat.

Life is: to be born, to live,

Life is: tears come out and swallow,

Life, never mistreats anyone,

It is the strictest teacher,

Teach you how to survive,

And reprimanded you for not making progress.

From the moment you become an adult,

Life brings you responsibility,

You can’t be as carefree as a child,

If there are mistakes, correct them yourself,

If you have difficulties, solve them yourself.

While taking care of yourself,

Also responsible for the expenses of the family,

No matter how much you earn, whether you are rich or poor,

The responsibility on the shoulder can’t be shirked,

Family happiness, to bear!

Life tells us that living is very tiring.

It also teaches us how to be strong,

Life brings us all kinds of problems,

It also allowed us to face it bravely.

Original title: "What is life? 》

　　CCTV News:On December 4th, five years ago, the the Political Bureau of the Communist Party of China (CPC) Central Committee meeting deliberated and passed the Eight Provisions of the Political Bureau of the Central Committee on Improving Work Style and Keeping Close Contact with the Masses. Since then, the Eight Provisions have gradually become household names, such as "improving investigation and study, streamlining meeting activities, streamlining document briefings, standardizing visiting activities, improving security work, improving news reports, strictly publishing manuscripts, and practicing thrift".

　　Eight regulations video launch

　　CPC Central Commission for Discipline Inspection website recently launched a video called "You don’t have to, you can":You don’t have to be busy socializing after work, go home drunk, and your family is asleep, and no one even says a word; You don’t have to think about who to give gifts to, what to send, and how to send them on holidays; You don’t have to hand over a pack of cigarettes, send a bottle of wine, or treat people to dinner, but you can get things done. You can spend more time reading, running and spending time with your family. You can simply live and be yourself.In addition, the website of the Supervision Department of the Central Commission for Discipline Inspection has recently produced and launched a set of theme expression packs, totaling 16, to publicize the spirit of the eight regulations in a way that netizens like. It can be said,The implementation of the eight regulations for five years has changed China, and also changed your life and mine.

　　Eight regulations: heavy containment of strong pressure and long shock

　　Five years ago, on December 4, the eight central regulations on improving work style and keeping close contact with the masses were promulgated, which broke the problem of comprehensively and strictly administering the party. five年来，各级纪检监察机关以问题为导向，从人民群众反映强烈的违规公款吃喝、公款旅游、大办婚丧喜庆事宜等具体问题抓起，紧盯节点，从月饼粽子、烟花爆竹、贺卡挂历等“小事小节”入手，严肃整治“舌尖上的浪费”“会所中的歪风”“车轮上的铺张”“节日中的腐败”，深入治理潜入培训疗养机构吃喝玩乐、高档小区“一桌餐”、调研考察搭车旅游等隐形变异“四风”问题，着力发现和纠正以会议、文件或口号落实中央重大决策部署、乱作为、不担当等形式主义和官僚主义突出问题。

　　中央八项规定实施以来，截至2017年10月底，各级纪检监察机关共查处违反中央八项规定精神问题19.32万起，处理26.26万人。

　　清华大学廉政与治理研究中心主任 过勇：“露头就打，严惩不贷，使得党风政风，包括带动社会风气发生了根本性的转变。”

　　国家统计局民情民意电话调查显示，94.8%的受调查对象肯定以习近平同志为核心的党中央制定和落实中央八项规定的成效，91.8%对中央八项规定长期执行有信心，85.5%认为中央八项规定实施以来身边党员干部工作作风有明显改进。

Here are 10 most popular tourist destinations to make your holiday more memorable:

1. Paris, France: Romantic Paris is famous for its art, culture and romantic atmosphere. The Eiffel Tower, Louvre and Seine attract countless tourists.

2. Rome, Italy: The ancient Roman city is full of historical sites, such as the Colosseum, Vatican City and Fighter Square, which attracts history lovers and cultural tourists.

3. Tokyo, Japan: As a city full of modernization and traditional culture, Tokyo has unique charm, such as Asakusa Temple, Ginza shopping area and Akihabara.

4. Hawaii, USA: Hawaii’s beautiful beaches, tropical climate and rich natural landscape attract countless tourists to spend their holidays.

5. Bali, Indonesia: Bali is famous for its beautiful beaches, religious temples and rich cultural traditions. It is a holiday resort.

6. Cape Town, South Africa: Located at the intersection of the Atlantic Ocean and the Indian Ocean, Cape Town is famous for its magnificent natural landscape and diverse culture.

7. Sydney, Australia: Landmarks such as Sydney Harbour, Sydney Opera House and Sydney Harbour Bridge attract tourists, and Sydney’s beaches and food are also its charm.

8. Masai Mara National Park in Kenya: As a famous wildlife reserve in Africa, Masai Mara National Park is an excellent place to watch wild animals.

These tourist destinations have unique charm and attraction, which can make your holiday more unforgettable.

Hi, fashionistas! 2023 has arrived, are you eager to know what the latest and hottest fashion trends are? Don’t worry, we unveiled the 2023 fashion collection for you, making you a trend vane! Follow us to explore the excitement of this fashion world, so that your clothes are no longer ordinary!

1. ** The revival of exaggerated colors * *:

In 2023, bold and exaggerated colors will become the dominant color in the fashion world. Don’t immerse yourself in the world of black, white and gray, try some eye-catching colors, such as bright orange and bright blue like the sky, so that the whole street can become your personal runway!

2. ** Unique material combination * *:

The eclectic fashion trend people will carry out the material combination to the end. The wonderful combination of silk and leather and the dialogue between metal and wool make you feel layered. Challenge tradition and create your own fashion language.

3. ** Retro style rises again * *:

The classic elements of the 1980s and 1990s have returned again. Loose jeans, colorful plaid shirts and exaggerated shoulder designs break the boundaries between time and space, allowing you to show your personality in retro.

4. ** Luxury sports style * *:

The perfect combination of sports style and luxury elements makes you show elegance in lazy leisure. Sweater pants with high heels, sports coat with jewelry, let you easily control the streets and parties.

5. ** Digital Art Printing * *:

Unique printing inspired by digital art has become the new darling of fashion. Abstract geometric patterns and digital oil painting styles make your clothing a moving work of art, leading the trend.

6. ** The trend of customization * *:

Customization becomes the key word of fashion in 2023. Customize your own clothes and accessories, break the homogenization of everyone and show the unique charm of personality.

7. ** The rise of environmental fashion * *:

Environmental protection has become a new trend of fashion. The design concept of sustainable materials and recycling makes you not only walk on the cutting edge of fashion, but also do your part for the earth.

The fashion stage in 2023 is full of infinite possibilities. Stop following, but lead the trend. Fashion trend, let’s define the fashion attitude belonging to 2023 together and become the fashion pioneer of this era! Keep up with the trend, become a new fashion darling, and show your unique charm!

Member of the jury of this book list: Han Haoyue Yan Han Zhang Jiahong

Column host: Shen Jiequn

One hundred years, many people, many things

Recommended reason:

Yang Yi’s beauty, to a great extent, stems from her status as a resister. Although she didn’t mention the word "resistance" in the whole book, her dissatisfaction and dissatisfaction made her the first person with female consciousness in modern China. Yang Yi’s courage has been consolidated step by step because of her love of literature. According to the story in the book, it is the communication, reading and writing that runs through her life, which helps her to gradually establish her own "castle". Anyone who has read "One Hundred Years, Many People, Many Things" is all moved by Yang Yi’s self-satisfied and ordinary narrative posture and unpretentious writing style, and will also be infected by her pursuit of beauty and her courage to pay for it.

Salt town

Recommended reason:

Salt Town is a book about women, first a record of women’s life, and then a record of women’s survival. Compared with life, survival needs a high degree of generalization and precise refinement. Compared with the random recording, the record reflects the author’s concentration and the value of the first-hand information obtained from the interview. Their life is tired, bitter, and even tormented. There is physical suffering, but also spiritual suffering. Non-tenacious hidden ninjas can’t wade through the tortuous and dim river of years, and they bear the burden of humiliation. Some women suffer all their lives, and some women are "forced" to become strong in life. The author writes them all in the book, not to compare who is tall and who is low, who is good and who is bad, but to make the original ecological presentation as much as possible. Recording their joys, sorrows, loves, hates and enmities actually has the significance of engraving history.

They and them

Recommended reason:

This collection of women’s reports in People magazine tells the fate and soul of women in this era through 12 real women’s stories, from the countryside to the city, from the confusion to the old age. They encounter difficulties, they struggle hard, and remain naive after suffering. Their stories are eternal stories and also stories of human nature, from silence to sound, from strangeness to meeting, and from one person to another.

Opening: An Interview with Female Scholars

Recommended reason:

The Opening: An Interview with Female Scholars tries to break the gender stereotype and the gender barrier in academic circles. In the form of questions and answers, the book has conducted in-depth interviews with 11 scholars, retracing their respective ideological threads and taking stock of their dissatisfaction, confusion, ambitions and dreams around their learning process, gender identity and academic research keywords; Similarly, these life experiences are the pain and happiness shared by most modern women.

Golden branch (full version)

Recommended reason:

There is an ancient village on the bank of Yinghe River-Last Week Village. The dream and reality, roots and branches, origin and present of a family of five generations are vividly presented in this novel. The escape, stabbing pain, separation and integration between relatives of the Zhou family are moving. In the historical cycle of family elites gathering from the countryside to the city and returning from the city to the countryside, it truly shows the great differences and changes between the city and the countryside, and writes the joys and sorrows of life from estrangement to blending.

The writer tells the family story supported by several generations of "golden branches" with the eyes of women. Through the rebellion and contest between the two daughters in the city and the country, the work shows the persistence and struggle, struggle and struggle of family women under the traditional culture. Their unique resilience and strength have propped up the soul and rebirth of the homeland of the Central Plains.

A woman’s story

Recommended reason:

A Woman’s Story is a touching account of mother and daughter, youth and aging, dreams and reality by Nobel Prize winner Anne Elnor. After her mother died of Alzheimer’s disease, the author began a daunting journey back in time, trying to capture the real woman, the woman who existed independently of her daughter. She discusses the fragile and unshakable bond between mother and daughter, the alienated world that separates them, and the inescapable fact that we must lose the people we love. In this calm and powerful tribute, Elnor wants to strive for the greatest fairness for her mother: to portray her as herself.

Dear daughter

Recommended reason:

Gong Jiyeong, the author of The Melting Pot, told his daughter 27 life stories, each of which was based on a simple home-cooked dish. She exposed the scars of the past to her daughter without reservation, and was not afraid to face her sincere self. She told her daughter with personal experience that you can complain about your family and life, but it didn’t help. The important thing in life is to love yourself and strive to grow. This is not only a mother’s encouragement to her daughter, but also a growth gift for everyone. When I feel that my dream is far away and I have been frustrated repeatedly, I might as well open this book and gain the warm power to move on.

The light we carry

Recommended reason:

There may be no perfect solution to the challenges in life, but Michelle Obama believes that we can find some ways to help us point out the course of change and move forward steadily in the torrent. In the book, she talks about the problem that bothers many people: how to establish lasting and sincere interpersonal relationships? How can we draw strength from differences and seek common ground while reserving differences? When you feel self-doubt or helpless, what tools can you use to solve it? By telling her experiences as a mother, a daughter, a partner, a friend and the first lady of the United States, she shared her habits and principles formed when she successfully adapted to change and surmounted many obstacles, and was full of life wisdom.

"Nine Chapters of the Goddess of Luo"

Recommended reason:

This book is the research achievement of Professor Dai Yan for more than ten years. From the aspects of literature, art and history, it reconstructs the literary background and communication process of Cao Zhi’s writing "Ode to Luoshen", so as to break through the old-fashioned interpretation of the theory of "feeling Zhen" and "thinking of Jun", analyze the original meaning of Cao Zhi’s writing "Ode to Luoshen" and explore the literary vitality of "Ode to Luoshen" spanning thousands of years.

Ladies’ relay

Recommended reason:

The Lady Relay is a biography of women’s groups, with nine public female figures who have deeply influenced the feminist movement in the United States as the main body, and outlines the development process of feminist movement in the United States. These women have stories, thoughts and personalities, and have had a wide and in-depth impact on society and history. They founded schools, established organizations, made public speeches, wrote, promoted legislation, explored art, and rebelled against authority … Against the inherent shackles of women in their time, they made hit the floor voices in all fields, which was a model for women to pursue themselves and transform society, and changed the process of American history and civilization with their own actions.

Source: China Youth Daily

Source: China Youth Daily

The fashion circle can always give people some unexpected surprises, especially in the show, all kinds of wonderful shapes are always emerging one after another, either clothes are worn upside down or garbage bags are worn on the body. The recent beggar fashion show has already caught fire in the fashion circle.

In the impression of many people, beggar style is a particularly casual, uninhibited and personalized dressing style, but this time the show is like a real "beggar" walking on the runway. I really don’t feel beautiful about such strange clothes. Maybe I have no aesthetic cells.

This reminds me of Brother Sharp 10 years ago. It turns out that he is the originator.